The American National Insurance Company

The American National Insurance Company (ANICO) was founded in 1905 and is headquartered in Galveston, Texas. American National offers a wide range of insurance and financial products, including automobile insurance, which is what our website is concerned with. The company’s insurance division is called American National Property and Casualty, or ANPAC. ANPAC’s home office is in Springfield, Missouri. It wrote its first policy in 1974. The company’s insurance offerings include automobile, boat, homeowners, motorcycle, recreational vehicle and umbrella (PUP) policies.

ANPAC provides insurance quotes and sells its automobile policies through agents, but after that payments and claims reporting may be handled online through the company’s official website. Claims may also be reported 24/7 by calling the company’s claims office at 1-800-333-2860.

Here are some uncommon features that we noticed about American National Insurance that we think are really cool, and should garner more attention for the company than it currently appears to enjoy:

ANPAC offers a claim-free incentive better than most we have seen. Instead of a shrinking deductible program, the company offers a CA$HBACK incentive that reimburses a policy holder a whopping 25% (we had to check that three times) of their combined automobile and homeowners premiums if they remain claim free for three years after joining the program. Given what insurance policies cost, that can add up to a major chunk of change.

Rental car coverage of $25.00 per day is automatically included in ANPAC policies at no extra charge. (Higher coverage may be purchased.) It is not an additional coverage that needs to be remembered and purchased like at many other insurance companies. ANPAC’s rental reimbursement coverage

Many insurance companies offer multiple-policy discounts (such as a discount on premiums if you insure both home and auto with the same insurer), but ANPAC also offers one deductible for multiple losses through their Common Cause of Loss Deductible: one deductible even if more than one item is damaged or destroyed by a single event. For example, say a tornado runs through your house and garage where your three cars are stored. Only one deductible would apply rather than four.

ANPAC offers the typical premium discounts which include those for safe driving, passive restraints (seatbelts) and good students. In case of glass damage only claims, there is no deductible if the owner opts for repair rather than replacement.

Guaranteed Asset Protection (GAP) is another non-standard coverage offered by ANPAC. This coverage pays the difference between the loan balance on a vehicle and its actual cash value should be a total loss as a result of a covered accident or other cause of damage. (The loan balance covered excludes incidental expenses such as additional warranties or balances rolled over from a trade in.)

Whether you are an investor, or shopping around for an automobile insurance policy, this seems to be a company to keep your eye on. Before you make a final decision about which company to purchase a policy from, make sure to get a quote from this one also. You might be pleasantly surprised.

If you have even worked for American National Insurance or had a policy with them, our readers would love to hear from you. What did you think about the company? What did you like or dislike about it. How was the customer service. Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not affiliated with the American National Insurance Company or its subsidiaries and affiliates in any way.

Read our other insurance company reviews.

Other articles that you may enjoy:

Why Bother With Buying Automobile Insurance?

The Insurance Company Claims Process Explained

What To Do When You Have Been Involved In An Accident

An Explanation of Uninsured Motorist/Underinsured Motorist Coverages

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